Dear Dave, I finally paid off all my debt except for my house, and I have an emergency fund of six months of expenses saved. It feels great to be in control of my money, but I am afraid I might lose control again and end up back where I started before I began following your plan. How can you make sure your leisure spending doesn’t get out of hand? —Lavell Dear Lavell, I get what you’re saying. You don’t want to go back to those days of being scared and out of control where your finances are concerned. You spent a lot of time, made tons of sacrifices, and put in lots of disciplined hard work getting out of debt, changing your behavior, and finally reached a point where you’re winning with money. Most people don’t forget the hardship and sacrifices that go into something like that, and I …